Fynx Capital Ltd

AI

Fynx Capital Ltd

₹ 5.72 -0.52%
08 Sep 11:53 a.m.
About

Incorporated in 1984, Fynx Capital Ltd provides financial solutions specifically tailored for MSMEs[1]

Key Points

Business Overview:[1][2]{# https://www.bseindia.com/xml-data/corpfiling/AttachHis/7e4477b2-ffd3-4068-9c00-a4c083f660d6.pdf#page=66
FCL is a registered Non-Systemically Important, Non-Deposit Accepting NBFC engaged in the commercial finance business. It provides loans to small and medium enterprises for working capital and growth, along with two-wheeler loans, loans against property, personal loans, and financing for various micro-enterprises.

  • Market Cap 114 Cr.
  • Current Price 5.72
  • High / Low 7.83 / 3.12
  • Stock P/E
  • Book Value 0.70
  • Dividend Yield 0.00 %
  • ROCE -11.9 %
  • ROE -19.3 %
  • Face Value 1.00

Pros

Cons

  • Stock is trading at 8.16 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -19.7% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.01 0.02 -0.00 0.06 0.03 0.08 0.04 0.09 0.49 0.95 1.57 2.49 3.94
Interest 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 -0.00 -0.00 0.20 0.54 0.96
0.12 0.43 0.12 1.07 0.69 0.40 0.38 0.79 1.00 1.57 2.19 3.85 5.08
Financing Profit -0.12 -0.42 -0.13 -1.02 -0.67 -0.33 -0.35 -0.71 -0.51 -0.62 -0.82 -1.90 -2.10
Financing Margin % -1,200.00% -2,100.00% -1,700.00% -2,233.33% -412.50% -875.00% -788.89% -104.08% -65.26% -52.23% -76.31% -53.30%
-0.00 -0.00 -0.00 0.13 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.01
Depreciation -0.00 -0.00 -0.00 0.12 0.09 0.09 0.09 0.10 0.07 0.07 0.07 0.08 0.06
Profit before tax -0.12 -0.42 -0.13 -1.01 -0.76 -0.42 -0.44 -0.81 -0.58 -0.69 -0.89 -1.98 -2.15
Tax % -0.00% -0.00% -0.00% -34.65% -9.21% 2.38% -0.00% 16.05% -1.72% -2.90% -7.87% -32.83% -7.91%
-0.12 -0.42 -0.13 -0.67 -0.69 -0.43 -0.45 -0.93 -0.57 -0.67 -0.82 -1.33 -1.98
EPS in Rs -0.01 -0.02 -0.01 -0.03 -0.03 -0.02 -0.02 -0.05 -0.03 -0.03 -0.04 -0.07 -0.10
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0.41 0.40 0.36 0.26 0.25 0.42 0.37 0.34 0.33 0.09 0.23 5.47 8.95
Interest -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.04 0.04 0.03 0.74 1.70
0.45 0.31 0.50 0.73 0.51 0.49 0.30 0.01 0.34 1.56 2.28 8.60 12.69
Financing Profit -0.04 0.09 -0.14 -0.47 -0.26 -0.07 0.07 0.33 -0.05 -1.51 -2.08 -3.87 -5.44
Financing Margin % -9.76% 22.50% -38.89% -180.77% -104.00% -16.67% 18.92% 97.06% -15.15% -1,677.78% -904.35% -70.75% -60.78%
-0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.02 0.03 0.01
Depreciation 0.02 0.01 0.01 0.01 0.03 0.03 0.03 0.01 0.09 0.12 0.38 0.29 0.28
Profit before tax -0.06 0.08 -0.15 -0.48 -0.29 -0.10 0.04 0.32 -0.14 -1.63 -2.44 -4.13 -5.71
Tax % 66.67% 200.00% -6.67% -27.08% -17.24% -30.00% 75.00% 25.00% -21.43% -23.31% 2.46% -18.16%
-0.10 -0.08 -0.14 -0.35 -0.24 -0.08 0.02 0.24 -0.11 -1.25 -2.49 -3.38 -4.80
EPS in Rs -0.00 -0.00 -0.01 -0.02 -0.01 -0.00 0.00 0.01 -0.01 -0.06 -0.12 -0.17 -0.24
Dividend Payout % -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00%
Compounded Sales Growth
10 Years: 30%
5 Years: 71%
3 Years: 155%
TTM: 1179%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -102%
Stock Price CAGR
10 Years: 23%
5 Years: 74%
3 Years: 89%
1 Year: 93%
Return on Equity
10 Years: -9%
5 Years: -14%
3 Years: -20%
Last Year: -19%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 20.00 20.00
Reserves 3.56 3.48 3.34 2.99 2.75 2.67 2.69 2.93 2.82 1.66 -0.83 -4.12
Borrowing -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.47 0.26 21.50
0.14 0.10 0.20 0.73 0.96 0.37 0.44 0.11 0.68 0.41 0.28 5.91
Total Liabilities 7.70 7.58 7.54 7.72 7.71 7.04 7.13 7.04 7.50 6.54 19.71 43.29
0.27 0.26 0.25 0.30 0.29 0.25 0.23 0.22 1.07 1.01 0.53 0.33
CWIP -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
Investments 0.03 0.03 0.03 0.03 -0.00 -0.00 -0.00 -0.00 -0.00 4.39 1.22 3.13
7.40 7.29 7.26 7.39 7.42 6.79 6.90 6.82 6.43 1.14 17.96 39.83
Total Assets 7.70 7.58 7.54 7.72 7.71 7.04 7.13 7.04 7.50 6.54 19.71 43.29

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.14 -0.99 -0.19 0.04 0.06 0.10 0.17 0.84 -0.91 4.63 -2.73 -31.55
-0.00 -0.00 -0.01 -0.07 0.02 -0.00 -0.00 -0.00 -0.94 -4.45 2.67 -1.41
-0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.64 -0.17 16.00 21.50
Net Cash Flow 1.13 -0.99 -0.20 -0.03 0.08 0.10 0.17 0.84 -1.21 -0.00 15.94 -11.46
Free Cash Flow 1.14 -0.99 -0.19 -0.03 0.05 0.10 0.17 0.84 -1.85 4.59 -3.25 -31.41
CFO/OP -2,775% -1,100% 129% -11% -31% -143% 243% 255% 9,100% -315% 133% 1,006%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -1.31% -1.06% -1.89% -4.88% -3.49% -1.19% 0.30% 3.52% -1.60% -20.03% -20.06% -19.29%

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2023 Mar 2024 Mar 2025
Loan Book (Total Loans and Advances)
INR thousand

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.75% 73.75% 73.75% 73.75% 73.75% 73.75% 74.90% 74.90% 74.90% 74.90% 74.90% 74.90%
26.24% 26.24% 26.24% 26.24% 26.24% 26.24% 25.10% 25.10% 25.11% 25.10% 25.09% 25.10%
No. of Shareholders 7287297307307317307467449301,1031,6121,830

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